Landlord tools
Know your numbers.
Six calculators for landlords and investors across Greater Manchester. What a property could let for, what the mortgage really costs each month, what the council will charge, what the taxman takes at the door, whether referencing will say yes, and whether the yield is worth the trouble.
Check what a calculator would say first
Know your numbers.
Guides, not quotes. Every one is a rough figure to think with. For a number you can rely on, ring the office on 0161 220 1763.
Instant rental valuation
What could it let for?
Based on typical asking rents for the area and size. Condition, outlook and finish move the real figure. That's what the full valuation pins down.
- Over a year
Want the exact number, evidenced from lets we've agreed nearby?
Get the full valuationMortgage calculator
The monthly truth.
The rate is pre-set to a typical 5-year fix at 75% loan-to-value, so change it to match a real quote. Interest-only is how most buy-to-let mortgages run.
- Loan amount
- Loan-to-value
- Cost of borrowing
A guide, not a quote or advice. Your rate depends on your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.
Council tax
The bill nobody budgets for.
Every Megacity listing shows its band in the property details. Single occupants get 25% off; students usually pay nothing.
- Full year
- Usual billing
Standard charge before any discounts, from each council's published Band D rate. Check your exact address on the council's own site before you commit.
Stamp duty
What the taxman takes at the door.
England residential SDLT. Landlords and second-home buyers pay the additional-dwellings surcharge on the whole price, so factor it into your yield sums below.
- Effective rate
- Price + duty
A guide from the published bands. Completion dates, leases and company purchases can change the sum. Your solicitor gives the binding figure.
Rent affordability
Will referencing say yes?
- Or
- Sharing?
The standard referencing rule: gross annual income of at least 30× the monthly rent.
Gross yield
Do the numbers add up?
- Rental income
Before mortgage, management, maintenance and voids. Want the net picture for a specific property? Ask us: we manage these streets.
Talk to the teamWhere the figures come from
Checked, and dated.
Rates change. Rather than leave you guessing how old these numbers are:
None of it is advice, and none of it is a quote. A calculator cannot see your property, your mortgage or your tax position. For a real figure, book a professional valuation and we will work it out with you.